Six times. Credit report is a comprehensive report that records personal credit status generated by credit reporting institutions according to personal credit information. The number of credit inquiries can't exceed 6 times in a year, of which 1-2 times are free inquiries, and the number of free inquiries exceeds 6 times. The reasons for credit inquiry are usually divided into post-loan management, credit card approval, loan approval and so on. Among them, the latter two have great influence on personal credit. If these two items are frequently inquired, it means that users may be applying for a large number of loans and credit cards, which may mean that their financial situation is not good or they try to support loans with loans, which will have a negative impact on the subsequent loan review results. Therefore, it is very important to maintain a good credit record.
What does personal credit reference mean?
Personal credit reporting refers to the activities of personal credit reporting institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services. Personal credit report is the information collected by credit reporting agencies according to law, which is processed and arranged, and provides personal credit history records to legitimate information inquirers according to law. These records include personal credit status, repayment ability, loan records, credit card usage and so on.